The Old Age Investment Fund Should Pay Attention To The Word "Stable".

Elderly people have been cheated of news many, such as: Recently, the client is a more than 60 year old aunt. She thought of the bank to buy financial products, but she was fooled by the staff to buy the fund. The bank financial officer told her that a fund was a guaranteed capital, and it would not lose money. The lowest one was also a guaranteed capital. It bought a 60 thousand yuan fund. Afterwards, the daughter of the party found that her mother bought a fund with a pension, and lost nearly one thousand. She thought that the bank had fuddled the elderly. In order to complete the task, regardless of the risk bearing ability of the elderly, it did not tell the old people the risk of buying the fund correctly.

Similar news is common. Today, I would like to talk about whether the retirement pension for elderly people should manage their finances. If the elderly want to buy funds, how can they not be fooled?

Some people have mistaken ideas about financial planning for the elderly, and think that money management is a matter for young people.

In fact, the elderly also need to have their own financial planning.

This phenomenon gives us the inspiration that elderly financial management must be "stable".

This is because most elderly people retire from their past savings or pensions, which is related to the quality of life of the elderly, and the pursuit of value added by young people.

Specific implementation to election

Above all, we must pay attention to the following points:

Fund investment must have a correct goal.

Different products have different characteristics of risk and return, which are suitable for different investment objectives. According to the goal of "keeping value", there should not be too many high risk equity funds.

If we find that there are too many stock funds in the portfolio, we should reduce them appropriately and increase the proportion of the fixed income assets in the portfolio. Besides, the fund should also pay attention to the risk diversification and not put the eggs in one basket.

More than just the elderly, many investors will invest all of their own funds to invest. The investment in this way is more like a gamble. They want to gain more benefit from their chips, but this kind of psychology is often the opposite.

In particular, old people should not put all their savings into one. They should set aside security and reserve funds for their own lives. On this basis, they will invest part of their savings or retirement funds to improve their quality of life.

We went back to the previous news report, but actually many old people went there.

When dealing with business, more or less will be exposed to various kinds of financial products. If the elderly have certain knowledge of financial products and the market, they will not be easily fooled.

Indeed, we can see some from news events.

The work of the staff may not be in place, but the financial knowledge of the elderly is also limited. Under the circumstances of not knowing it, the elderly should not make decisions easily, ask their children more often, or take the instructions of the financial contracts and purchase products home to study clearly and start again.

Of course, on the premise of parents' willingness, children can also help parents to manage their finances, and offer advice on the basis of their parents' wishes. However, families with more children should be cautious in consultation.

Money should bring more happiness, not conflict.

Many elderly people choose financial management to have a herd mentality and easy to follow the crowd. But everyone has different risk tolerance and different investment expectations. They need to know something about themselves, but they can not afford to be lazy and bother. They also need to buy more vegetables than three in the market, let alone the investment of real gold and silver.

Investment is a knowledge, the fund has bought, but must also track regularly. It is not like our regular deposits or financial products in the bank. When we go to the bank, we can get some benefits from the bank. The capital market is changing rapidly. After buying the fund, the old people should not only pay attention to the change of the fund itself, but also pay attention to the changes of the economic environment and capital market, and do their own investment as appropriate.